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CA Department of Insurance

Poinsettia Fire evacuees may have certain living expenses reimbursed

News: 2014 Press Release

For Release: May 14, 2014
Media Calls Only: 916-492-3566
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Poinsettia Fire evacuees may have certain living expenses reimbursed

SAN DIEGO, Calif. - The California Department of Insurance is monitoring evacuations associated with the Poinsettia Fire. Insurance Commissioner Dave Jones is reminding wildfire evacuees that they may be eligible for reimbursement for additional living expenses due to mandatory evacuations.

"San Diego residents are all too familiar with the destructive force of wildfires and our thoughts and prayers are with everyone displaced by the Poinsettia Fire," said Commissioner Jones. "Homeowners should know that their insurance policy may cover additional living expenses from the mandatory evacuation and to contact their insurer for assistance."

Many homeowner insurance policies cover additional living expenses during natural disasters. This permits homeowners to maintain their standard of living by covering increased living expenses incurred as a result of damage caused by the fire or mandatory evacuation. This coverage typically includes food and housing costs, furniture rental, relocation and storage, and extra transportation expenses. Policy provisions, including deductibles, vary by company. Check with your insurer regarding any limitations that may apply to your coverage.

Commissioner Jones reminds all Californians to prepare for wildfires today. Learn quick and easy tips to complete a home inventory and learn about the benefits of home hardening. Failure to plan ahead may increase the difficulty in filing a claim and delay the recovery process.

Don't forget copies of insurance policies, important papers and a photo or video inventory of your possessions. An inventory can be completed quickly and easily on your smart phone and safely stored in the cloud.

Quick and easy tips for home hardening that may help protect your home and assist firefighting efforts.

  1. Don't leave sprinklers running; you may compromise precious water pressure needed by the firefighters. Use this time to duct tape soffit vents to prevent embers from entering your attic.
  2. Remove sheer draped inside of windows; they may combust just from indirect radiant heat.
  3. Leave interior and exterior lights on to help firefighters see your home through thick smoke.

Additional tips and information for consumers for before, during, and after a wildfire are available from the California Department of Insurance. Download a free home inventory guide from the department Web site at, or receive a hard copy by calling the California Department of Insurance Consumer Hotline at 800-927-HELP (800-927-4357).

The California Department of Insurance, established in 1868, is the largest consumer protection agency in California. Insurers collect $310 billion in premiums annually in California. Since 2011 the California Department of Insurance received more than 1,000,000 calls from consumers and helped recover over $469 million in claims and premiums. Please visit the Department of Insurance website at Non-media inquiries should be directed to the Consumer Hotline at 800.927.4357. Telecommunications Devices for the Deaf (TDD), please dial 800.482.4833.

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